Trying to buy a £1 million dental practice without overpaying or overleveraging? We’ve got you. We break down the market forces shaping 2026—cooling interest rates, tighter supply, stronger buyer competition—and show how to turn that context into a smart acquisition strategy that protects cash flow and compounds long-term value.

We start with the number that decides your deal: EBITDA. You’ll hear how lenders underwrite dental practices, why net profit won’t cut it, and how to rebuild a normalised EBITDA that stands up to bank stress tests. We compare NHS, private, and mixed models through a lender’s lens, exploring where predictable income helps and where growth can stall. Then we get specific on costs: arrangement fees, RICS valuations, legal work for leases and NHS contracts, and the extras people forget when chasing a headline price. If you’re considering freehold plus goodwill, we map the two-loan reality, typical LTVs (often 90% for goodwill and up to 100% for freehold), 15 to 20-year terms, and the structuring that can set you up for a cleaner exit later.

Deal discipline is the throughline. We explain why sales brochures overstate value, how to sanity-check multiples, and when to bring in independent valuations and financial due diligence to test wages, labs, UDAs, and chair utilisation. If the numbers don’t match the story, renegotiate or walk—because you make your money when you buy, not when you sell. We also share realistic timelines: fast indicative terms in days, but six to twelve months to complete depending on CQC and NHS steps. And once the keys are yours, we talk post-completion optimisation: joining a buying group to cut consumables by 6–10%, adopting AI and digital workflows to lift margins, and tracking the KPIs that keep lenders and owners happy.

If you’re serious about owning rather than associating forever, this is your playbook to fund the right asset, at the right price, with the right structure. Subscribe, share with a colleague who’s hunting for a practice, and leave a review to tell us what financing or valuation question you want answered next.

If you require any help, don't hesitate to reach out to the Samera team at www.samera.co.uk. We are all here to help you!

Thank you,

The Samera Team

The DSO market is in a pressure cooker, and the timer reads 2030. We break down how operators and investors can turn today’s decisions into tomorrow’s premium multiples by building trust at scale: predictable EBITDA, standardised operations, leadership depth, and provable clinical governance. Forget counting chairs. Buyers now price future cash flow quality, not historical revenue, and they reward DSOs that can demonstrate clean reporting, rapid month-end closes, and consistent cash conversion across sites.

We walk through the new valuation reality, including why $1–5 million EBITDA often trades best, and how specialties like orthodontics, implants, and facial aesthetics lift revenue per patient and reduce insurance dependency. Clinical quality becomes a hard financial lever when standardised protocols, low complaint rates, and strong recall systems compress variability. The MyDentist case illustrates how governance lowers rework, stabilises teams, and boosts adjusted EBITDA, proving that quality and compliance are as valuable as growth.

Integration is where deals can falter. Cultural missteps at the front office can drain a quarter of patient volume in months. That’s why digital maturity matters: AI scheduling that cuts no-shows by 15–30%, intelligent communications that raise retention by about 20%, and real-time dashboards that surface issues before they spread. We also tackle the investor–clinician divide and show how shared metrics, management training, and formal succession planning reduce concentration risk. Finally, we explore Global Capability Centres as a scalable backbone for finance, HR, compliance, and tech, delivering cost savings and continuity through leadership transitions.

If you’re aiming at a 9–12x outcome before the consolidation window narrows, the path is clear: standardise, diversify, digitise, professionalise, and prepare your exit story now. Subscribe, share this with your operating team, and leave a review with the one system you’ll standardise first.

If you require any help, don't hesitate to reach out to the Samera team at www.samera.co.uk. We are all here to help you!

Thank you,

The Samera Team

A budget leak, a flat delivery, and yet a sharper squeeze on business owners than headlines suggest. We break down how Rachel Reeves’ autumn budget quietly raises the tax take from dentists and small healthcare businesses through frozen thresholds, dividend increases from 2026, reduced capital allowances, and new national insurance on pension salary sacrifice above £2,000 a year.

We walk through the real‑world impact on profit extraction, investment timing, and cash flow, explaining why fiscal drag nudges more income into higher bands even when you feel like you are standing still. You’ll hear a clear plan to stress‑test salary versus dividend blends, bring forward essential equipment buys, and model pension contributions under the new NI rules. We also unpack the extra two percentage points on rental and investment income and what that means for clinicians with property portfolios or savings, alongside the looming reality of Making Tax Digital and quarterly submissions for those earning over £50k.

Beyond the tax rules, we get practical: targeted price adjustments, operational efficiency, and exploring offshore admin support to reduce payroll pressure without sacrificing patient experience. The tone is honest and pragmatic—no scare tactics, just straight guidance on protecting margins and planning across multiple years. If you run a dental or healthcare practice and want a calm, actionable way to adapt, this conversation will help you map the next steps with confidence.

If this was useful, follow the show, share it with a colleague who needs clarity on the budget, and leave a review to tell us what you’re changing in your 12‑month plan.

If you require any help, don't hesitate to reach out to the Samera team at www.samera.co.uk. We are all here to help you!

Thank you,

The Samera Team

Buying a dental practice shouldn’t feel like guesswork. With banks actively competing for strong borrowers, dentists can now access high loan-to-value offers, longer terms, and smarter structures—if they know how to navigate lenders, leases, and the fine print. We unpack what’s actually available in late 2025, why goodwill and freehold can reach up to 100% LTV for the right profile, and how to avoid early repayment traps that turn a “cheap” headline rate into an expensive mistake.

We walk through the real numbers: typical terms for goodwill versus freehold, how leases under the Landlord and Tenant Act affect approvals, and why a 4% base with 1.5–2.5% margin often nets a workable all-in rate. Thinking of a startup? Appetite has improved, with around 70% LTV and higher pricing early on, but a clear route to refinance once turnover and profit stabilise. We also break down the costs buyers forget—arrangement fees, valuations, solicitors—and share a simple way to assess whether your deposit is enough for that £1m goodwill deal.

Not every move is an acquisition. If you’re levelling up with a microscope or CBCT, asset finance can match the debt term to the useful life of your kit without tying up your main facility. Most importantly, we explain why a buyer-only advisory model matters: no conflicts, direct access to healthcare banking teams, and integrated accounting, tax, and due diligence support. From negotiating price and packaging the deal to securing the right lender and preparing for ownership, this is a practical guide to getting funded on your terms.

If you’re exploring an acquisition, startup, refinance, or equipment purchase, tune in, take notes, and then reach out. Subscribe, share with a colleague who’s shopping for a practice, and leave a review with your biggest finance question—we’ll answer it on a future show.

If you require any help, don't hesitate to reach out to the Samera team at www.samera.co.uk. We are all here to help you!

Thank you,

The Samera Team

We share a practical finance playbook for dental clinics, from moving to cloud accounting to adopting accruals, daily bookkeeping, and metrics that drive better decisions. We also preview an AI-driven dashboard that unites PMS, accounting, and marketing data.

• choosing Xero as the bookkeeping core and retiring spreadsheets
• using HubDoc or similar for receipt capture and digital invoice flow
• configuring bank feeds and batch payments to save hours
• selecting a cloud PMS and reducing data silos
• adopting accruals instead of cash accounting for clarity
• tracking hourly rate, new patients, cancellations and NHS run rates
• forecasting tax and cash flow each month
• setting roles for manager, bookkeeper, accountant and fractional CFO
• keeping separate Xero files per practice for group operators
• migrating data cleanly and establishing approvals at scale

If anyone's interested, just please fill in this form, and then one of the team or myself will reach out to you in coming weeks and days to discuss. Drop me an email: urin at samera.co.uk

If you require any help, don't hesitate to reach out to the Samera team at www.samera.co.uk. We are all here to help you!

Thank you,

The Samera Team

Ever wonder why so many dental roll‑ups look impressive on paper but wobble behind the scenes? We open the black box of group dentistry and share what actually sustains multi‑site performance when valuations cool and the market gets tougher. From private equity’s consolidator logic to the operational realities of head office costs, we trace how groups grow, where they break, and the financial habits that separate durable businesses from fragile collections of clinics.

We talk through the reset in sentiment—fewer buyers, halted listings, super clinics replacing smaller sites—and the knock‑on effect of squeezed margins. Then we get practical. Manpower first: why central overheads so often crush site profits and how offshore capability centres (bookkeeping, AP, marketing ops, data) deliver quality and resilience at scale. Structure next: set a clean HoldCo, build a tax group, and plan funding before you hit the debt ceiling. If equity comes in, pick partners whose timelines and governance fit the realities of dentistry, not just a spreadsheet.

Data is the engine. We break silos across practice management systems, accounting platforms, and analytics to power real decisions: associate pay without disputes, case acceptance tracking, and cash flow you can actually forecast. Add monthly bookkeeping discipline and a fractional CFO mindset to stay ahead of seasonality and lab cost surges. The final test is owner dependency—if the principal stops drilling, do margins hold? Build a system‑driven business with trained teams, tight processes, and reliable reporting, and your group becomes sale‑ready every day, not just in the teaser deck.

If you’re serious about scaling without stumbling, this conversation gives you a clear blueprint: financial clarity, clean data, robust structure, and a scalable team that works wherever talent lives. Enjoyed the episode? Follow, share with a colleague, and leave a quick review to tell us what you want covered next.

If you require any help, don't hesitate to reach out to the Samera team at www.samera.co.uk. We are all here to help you!

Thank you,

The Samera Team

Most practices don’t overpay tax because the rules are mysterious—they overpay because the structure is wrong, the records are messy, and big decisions happen too late. We walk through a practical blueprint for dental practice owners to protect assets, cut risk, and keep more of what they earn without gambling on schemes.

We start with the foundation: picking the right vehicle—sole trader, partnership, or limited company—and why more owners choose companies for flexibility, asset protection, and clearer exits. If growth is on the cards, we unpack holding companies and subsidiary structures: ring‑fencing risk site by site, upstreaming cash with tax‑efficient dividends, using group relief to offset losses, and setting up clean, saleable companies that attract buyers. Then we get into cash extraction that actually works: the balance of low salary and dividends, company‑paid pension contributions into a SIPP or SSAS, short‑term director’s loans done correctly, and when benefits in kind make sense.

From there, we focus on the everyday decisions that quietly save thousands. Capital allowances and full expensing on chairs, X‑ray units, and IT can reduce corporation tax fast—if you time purchases before year end and keep immaculate records. Operational expenses—from lab bills and materials to software, training, and compliant travel—need a simple, digital capture process so nothing slips through the cracks. With accurate monthly numbers, you can forecast tax, pace dividends, and plan pension top‑ups before deadlines bite. We also map out exit readiness: Business Asset Disposal Relief basics, the substantial shareholding exemption at holding company level, and why clean ownership and early planning turn a sale from stressful to smooth.

Compliance is changing too. Making Tax Digital for Income Tax lands from April 2026 for many sole traders, moving to quarterly submissions and a final declaration. That shift can be a headache—or an advantage—if you use it to get real‑time visibility and avoid January surprises. Above all, we call time on “too good to be true” tax schemes. The safer path—structure, records, timing, and long‑term wealth via pensions and ISAs—wins over the years.

If you’re serious about stronger cash flow and a cleaner exit, listen now. Then subscribe, share with a fellow practice owner, and leave a review with your top question—we may feature it next week.

If you require any help, don't hesitate to reach out to the Samera team at www.samera.co.uk. We are all here to help you!

Thank you,

The Samera Team

We share a clear, practical way to read your numbers, protect cash, and grow practice value without working longer hours. From the three statements to EBITDA, monthly systems, and quick wins, the focus stays on simple steps owners can take now.

• why profit and loss, balance sheet, and cash flow each matter
• how cash flow forecasting prevents last‑minute borrowing
• what EBITDA means and how buyers value practices
• owner‑operated versus associate‑led multiples and trade‑offs
• pricing, receivables, and cost ratios that move margin
• a monthly workflow using Xero, HubDoc, and management packs
• core KPIs including chair hour revenue and profit per clinician
• pitfalls to avoid such as lifestyle creep and weak systems
• actions to take today to build financial literacy and control

Join our next webinar on tax‑efficient strategies next week; book early as places are limited. Check the ICAEW one‑day event for practice owners on 6 February.

Email arun@samera.co.uk or book a call with Natasha. This recording will be on our website and YouTube soon.

If you require any help, don't hesitate to reach out to the Samera team at www.samera.co.uk. We are all here to help you!

Thank you,

The Samera Team